Product Manager Lending

Job Title: Product Manager Lending

Location: Bangalore, India

Job Type: Full-Time

Experience Required: 4-6 years

Company Overview:

Innopay Technologies is a fast-growing fintech based in Bangalore, India, committed to transforming the financial industry with cutting-edge technology solutions. Our team is passionate about creating innovative products that make financial services more accessible and efficient for our users. We are seeking experienced Product Manager Lending to join our dynamic team and contribute to our mission. We are constantly on the lookout for talent who is not afraid to think out-of- the-box and bring new ideas and concepts to the table.

Job Description:

Product Manager will act as one point contact for various departments like Sales, Marketing, Credit, External Lenders & Technology Team.The purpose of the role is develop & manage the lending product and to drive business growth.

Roles & Responsibilities

Strategy and portfolio ownership

Define overall product vision, value proposition and target segments in line with business strategy and risk appetite

Own the product roadmap: new variants, limit/tenor/fee structures, policy tweaks, digital features, and process improvements across the lifecycle

Monitor P&L and key portfolio metrics (AUM, yield, CoF, NIM, ROA/ROE, approval rates, sourcing mix, credit losses, bounce/roll rates) and take actions to protect profitability and asset quality.

Market, customer and competition

Conduct market and competitor analysis on pricing, features, channels, underwriting models, and regulatory trends to keep the lending product competitive.

Use customer research, feedback, NPS/CSAT, funnel data (lead login approval disbursal usage) to identify pain points and new use cases

Translate insights into clear product requirements (e.g., preapproved offers, topups, flexible EMIs, digital documentation) that improve acquisition and retention.

Product design, policies and journeys

Design the product construct: eligibility rules, credit policy levers, pricing grids, fees/charges, documentation and operational processes

Map and optimise endtoend journeys: application, onboarding/KYC, credit decisioning, sanction, documentation, disbursal, servicing, topup, closure, and collections

Draft and maintain product notes, SOPs, process flows, and customerfacing T&Cs; ensure clarity and internal alignment across sales, ops, and service teams

Ensure products and journeys comply with all applicable regulations and internal risk/governance frameworks (KYC/AML, fair practice code, disclosure requirements, digital lending norms).

Translate business needs into BRDs and work with Technology Team to build or enhance LOS, LMS, decision engines, digital onboarding platforms and partner APIs. Lead project execution: timelines, UAT, golive, and rollout plans

Skills & Qualifications

Post Graduate with 4 - 6 years of experience in Fintechs or NBFCs

Prefer MBA from Tier-1 college

Strong understanding of lending products, credit risk and P&L levers; comfort with data analytics and portfolio dashboards

Ability to write clear product documents and BRDs, manage projects, and influence crossfunctional stakeholders without direct authority

Customercentric and digitalsavvy mindset, especially for online and partnershipled lending models

What We Offer:

Competitive salary.

Opportunity to work on innovative projects with a talented and passionate team.

Professional growth and development opportunities.

Health insurance and other benefits

How to Apply:

Please submit your application to Teamhr@innopay.in or WhatsApp: 9108510751 including your resume.

Join us and be a part of a company that is transforming the future of finance!